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Spending Habits Self-Test: Name: Jolenny Nicole de Paula Figueroa Matriculate: 2175904

This document appears to be an excerpt from an English language learning workbook. It includes exercises on grammar, vocabulary, and money management topics. Some key details include: - Exercises on identifying idioms and expressions related to budgeting and spending. - Questions about characters' spending habits and whether one character sees another as a big spender, thrifty, or cheap. - Rewriting sentences using different verb tenses and forms like the past perfect. - Completing sentences using vocabulary related to personal finance concepts. - Questions asking the learner to use grammar structures like the future perfect tense.

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Dangy patrocia lara de jesus
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1K views7 pages

Spending Habits Self-Test: Name: Jolenny Nicole de Paula Figueroa Matriculate: 2175904

This document appears to be an excerpt from an English language learning workbook. It includes exercises on grammar, vocabulary, and money management topics. Some key details include: - Exercises on identifying idioms and expressions related to budgeting and spending. - Questions about characters' spending habits and whether one character sees another as a big spender, thrifty, or cheap. - Rewriting sentences using different verb tenses and forms like the past perfect. - Completing sentences using vocabulary related to personal finance concepts. - Questions asking the learner to use grammar structures like the future perfect tense.

Uploaded by

Dangy patrocia lara de jesus
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PDF, TXT or read online on Scribd
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Name: Jolenny Nicole De Paula Figueroa

Matriculate: 2175904

Page 26

SPENDING HABITS SELF-TEST

FRAME YOUR IDEAS Take the test to learn about your personal spending
style. Circle the letter that best describes you.

1- B. Compare prices online so you can get the best deal right away.

2- B. Try to find a nice gift that’s not too expensive.

3- B. Have the pants repaired.

4- C. Decide you have more important spending parities than buying an

entertainment system.

5- C. Ask the others to treat you, since your amount was so small

Page 27
UNDERSTAND IDIOMS AND EXPRESSIONS Match the expressions
from Spotlight with their meaning.
1 way over our budget c a promise
2 astronomical b b very, very high
3 chip in E c more than we can spend
4 saved up a little for a rainy day F d pay
5 impulse item g e contributes some of the cost
6 gimmick f kept some money in case of an
emergency I
7 have your heart set on g something you buy without thinking
much about it J
8 word of honor A h something that’s right
9 shell out D i a valueless feature
10 matter of principle H j really want

THINK AND EXPLAIN Support your answers to the questions with


information from Spotlight.
1. In your opinion, will Brad buy the smart bike for himself?
Yes, because he think save
2. Do you think Brad sees his dad as a big spender, thrifty, or a cheapskate?
How does his dad see him?
No, because he is a thrifty person because he does not spend money on something
like them.

Page 29
UNDERSTAND THE GRAMMAR On a separate sheet of paper, rewrite
the statements and questions, changing wish or if onlv the past perfect to should
have or ought to have.
1. She wishes she had bought a new car. (ought to)
She ought to have bought a new car.
2. Do you wish you had read the owner’s manual before you tried to use the
espresso maker? (should) “Should you have read the owner’s manual before
tried to use the espresso maker?”
3. We wish we had gone to a discount store instead of this fancy department
store. (ought to) ‘we wish to have gone to a store. .. ”
4. If only I hadn’t been in such a hurry to sell my house! (should) “I should
have been. ..”
5. Doesn’t he wish he had taken the tutorial for his new computer? (should)
“Shouldn’t he have taken. ”
6. I wish I hadn’t bought these gimmicky basketball shoes! (should) : I should
have bought. .. ”

Page 30

MAKE PERSONAL COMPARISONS Discuss the questions.


1. How are you similar to or different from any of the people in the Grammar
Spotlight? Both of them, in some cases I can permit myself buy something I
like or want, but and others, if I don’t need it, I don’t buy it.
2. Do you cut back on your spending to buy something you want? Are you
financially independent?
Inn financially independent, if I don’t need something I don’t buy it,cuz I have
others plans for my future, so I cant spend my money judt because I want
something that I don’t need
Page 31

GRAMMAR PRACTICE On a separate sheet of paper, use the cues to write


sentences with the future perfect.
1. By the end of this month /1 / put half my paycheck in the bank. ( I will have
putted rnv pavcheck in the bank bv the end of this month)
2. By next summer / Stan / save enough to make a down payment on an
apartment. I stand will saven to make a down pavment on a apartment for
the next summer)
3. Do you think you / lower / your credit card debt by December? (have you
thinking that vour card debt bv December will be lower?)
4. When / they / start / spending less than they earn? ( Will they have started
spending less than they earn?)

GRAMMAR PRACTICE Complete the paragraph, using perfect infinitives.


Ed Compton has been drowning in debt, so he has some emergency short-term
goals. By the end of the month, he “intends to create” i(intend / create) a realistic budget
that he can stick to. As a matter of fact, he hoped to have made2 (hope / made) the last
payment on his car loan by October 30th. In addition, he plans to have begun 3 (plan /
0
begin) Saving 10 / of his paycheck even before that. If he can stick to his budget and
savings plan, Mr. Compton expert to have pav baCk 4 (expect / pay back) All the money he
owes within the year.

ERROR CORRECTION These sentences all have errors. On a separate


sheet of paper, rewrite them correctly.
1. I expect to will (have eared) earn enough money to buy a car by the end of
the year.
2. Before they come back home, they will to have spent (spend) all the money
they took with them.
3. We hope having (will have) completed our driver training by the end of the
week.
4. By the time I’m thirty I will Ie-be (have been) married for five years.

Page 32

VOCABULARY PRACTICE Complete each statement about money


management, using the vocabulary. Use each expression only once.
1. Some people say Mr. and Mrs. Strong are thrifty. They don’t spend too
much, and they always have money in the bank for a rainy day.
Mr. and Mrs. Strong save regularlv
2. Andrew earns a small salary, but he’s a big spender, so he’s always out of
cash.
Andrew I keep back my expensive
3. The Wilsons spend everything they earn and have almost no savings in the
bank.
The Wilsons I’m drowning in debit
4. When Katherine’s credit card statement comes each month, she writes a
check for the full balance.
Katherine I always pay my credit ca my rd in full
5. Sam acts as if he thinks money grows on trees. He can’t remember where he
spent this week’s allowance.
Sam I live belong my means
6. Every month, Melanie pays a lot of interest and a late fee on her credit card
bill. She can’t sleep at night because of all that debt.
Melanie I live paychecks to paycheck
7. Martha and Bill have everything they need and never spend more than they
earn.
Martha and Bill I live within my means
8. Sally always knows where her money goes. Every day she writes down
everything she has bought.
Sally I don’t know where the money goes.
Page 37
B
Complete the statements about bad money management, using four different
phrases from the vocabulary in lesson 3.
1. Marian Bates receives her salary on the last Friday of every month. By the
end of the next month, she has no money left. She just paycheck to
paycheck.
2. Paul and Clare Oliver never pay their credit cards in full and every month
the balance on their card is bigger. They’re drawing in debit.
3. Cheryl spends more than she earns. She lives beyond her earns.
4. Eleanor’s mother gives her money every week for transportation to and from
school, but by Thursday the money’s gone. Eleanor does not know where
money goes

Complete each statement with true information, using the future perfect or a
perfect infinitive.
1. By this weekend, I will have bought my new cellphone
2. At the end of this school year, I intend to have completed cv studies.
3. By the time I retire I will have saved a lot of monev.
4. By the year 2020, I hope to have paid my house.
5. Before I leave this English program, I expect to have learned English.

On a separate sheet of paper, answer each question using wish and the past
perfect or should have and a past participle to express a true regret from the past.
1. What do you wish you had done differently in your life? I wish have done a
French course.
2. What decision should you have made that you didn’t? I shouldn’t have
money for mv business.
E
Explain in your own words the meaning of the following words and phrases.
1. Financially independent: That you can support your money.
2. A budget: on estimated of the come and engage a lot for a period of time.
3. A short-term goal: Something you can do in a short time,
4. A long-term goal: Something you do in a long period of time.
5. Astronomical: something extremely large;
6. A loan: something lent or furnished on condition of being returned.

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